Take-home pay calculator
See your salary after tax — monthly, weekly and yearly. Supports UK (income tax + NI) and US (federal tax + FICA) estimates.
🌍 Detecting your region…
How the estimate is calculated
UK: income tax at 20% (£12,571–£50,270), 40% (£50,271–£125,140) and 45% above, with the personal allowance tapered above £100,000 — plus employee National Insurance at 8% between £12,570 and £50,270 and 2% above. US: federal brackets from 10% to 37% after the single-filer standard deduction, plus 7.65% FICA (Social Security + Medicare). State income tax is not included.
Pension contributions are deducted before tax (salary-sacrifice style), which is why adding a pension % often costs less in take-home than it adds to your pot.
UK vs US: what's different
- UK take-home depends only on salary, tax code and pension — National Insurance and income tax are calculated the same way nationwide.
- US take-home also depends heavily on which state you're in — this calculator shows federal tax + FICA only, so your real number will usually be a bit lower once state tax is applied.
- Both systems are progressive: only the income inside each bracket is taxed at that bracket's rate, not your whole salary.
Frequently asked questions
How accurate is this?
It's a close estimate using standard rates. Your tax code, state, benefits and deductions can change the exact figure — check your payslip.
Does it include student loans?
Not yet — UK Plan 2 takes 9% of income above the threshold; subtract that from the result if it applies to you.
Why is my US number different?
State income tax (0%–10%+) and health insurance premiums are excluded, as they vary widely.
Estimates for information only — not tax advice.